University-wide Navigation
CAREERS

Consider if: You live outside Central Kentucky but don’t need care outside the state. 

This plan offers high-quality care for those who live outside Central Kentucky. Members who live in outlying counties can choose physicians from the Anthem network and benefit from the same coverage as the HMO plan.

That means no deductibles and no co-payments for preventive care. Members of the RHP plan incur slightly higher monthly premiums.

RHP Plan Booklet PDF
Summary of coverage and benefits PDF

Service coverage and costs

All employee health insurance plans provide one annual preventive care visit with your primary care provider at $0 co-pay within specified networks. 

For other common visits, this is what you’ll pay with UK-RHP.

$10
Primary care co-pay
$30
specialist co-pay
$25
urgent care co-pay

Coverage highlights

RHP health plan Maximums UK HealthCare and Anthem
Lifetime Maximum Benefit   Unlimited
Out-of-Pocket Amount Annual deductible $0/member; $0/family
  Medical out-of-pocket maximum $4,000/member; $8,000/family
  Prescription out-of-pocket maximum $5,000/member; $10,000/family

Employee monthly rates

2023-2024 RHP
Coverage level Total monthly cost* UK pays You pay
Employee only $691 $614 $77
Employee + children $1,032 $823 $209
Employee + spouse $1,374 $1,015 $359
Employee + family $1,719 $1,203 $516
2024-2025 RHP
Coverage level Total monthly cost* UK pays You pay
Employee only $848 $736 $112
Employee + children $1,265 $986 $279
Employee + spouse $1,669 $1,216 $453
Employee + family $2,093 $1,442 $651

* Regular part-time and temporary employees (less than 0.75 FTE or work less than an average of 30 hours per week in a 12-month measurement period), who are not eligible for the UK credit toward the costs of coverage, pay this rate.

Coverage for common services

RHP health plan Service UK HealthCare and Anthem
Preventive Care (Coverage under preventive care category depends on age, symptoms, and diagnosis) Routine Pap smears, mammograms, PSA, screening colonoscopy, and sigmoidoscopy $0
  Routine child care and immunizations (through age 18) $0
  Routine adult physical exam (19 years and above, one per plan year) $0
Physician Services Primary care office visits (excludes certain diagnostic lab and X-ray) $10 co-pay per visit
  Specialist office visits (excludes certain diagnostic lab and X-ray) $30 co-pay per visit
  Lab tests, X-rays and diagnostic tests $0
  Allergy injections $10 co-pay
  Inpatient services $0
  Outpatient surgery and diagnostics $0
  Physician visits to emergency room $0
Hospital Services Inpatient care (semi-private room and board, nursing care, ICU) $200 co-payment per admission
  Hospital observation stay $100 co-payment
  Organ transplants $0
  Outpatient nonsurgical care $0
  Outpatient tests, lab, X-ray and other diagnostic tests $0
  Ancillary services $0
  Outpatient surgery $75 co-payment
  Outpatient diagnostic testing (high costs - MRI, MRA, CT and PET scans) $75 co-payment
Emergent/Urgent Services Emergency room $100 co-payment plus 20% co-insurance (waived if admitted)
  Urgent treatment center $25 co-payment
  UK Children's Twilight Clinic $15 co-payment
  Ambulance $75 co-payment
Other Medical Services Skilled nursing facility (up to 30 per plan year) and hospice services $0
  Home health care (up to 60 visits per plan year) 20% co-insurance
  Durable medical equipment, orthotics, and prosthetics 20% co-insurance up to $500 member cost per year
  Hearing aids 20% co-insurance for children under 18
  Speech, music, physical, occupational, manipulative, hydrotherapy, acupuncture, pulmonary rehab, and cardiac rehab therapy (limited to 45 visits per plan year, combined) $15 co-payment per visit for all therapies
Mental Health and Substance Abuse Inpatient mental health or substance abuse $200 co-pay per admission
PROVIDER NETWORKS UK HealthCare and Anthem

RHP plan members must live in the 110 outlying counties of Kentucky.

News

December 21, 2022

Change to our pharmacy network

Kroger has announced it will withdraw from the national network of Express Scripts, which manages our pharmacy benefit through our health insurance plans. This was a national decision by Kroger that takes effect January 1.  You can view the full list of Express Scripts in-network pharmacies here. 

October 27, 2022

FSA debit cards now usable at all UK Retail Pharmacies

We have great news for employees with a health care flexible spending account or health savings account! You can now use the debit card that comes with your FSA or HSA at all UK Retail Pharmacies and UK Retail Pharmacy Mail Order. For quick reference, to request a prescription refill and for UKHC Pharmacy locations go to UK Retail Pharmacies. You can also reach any of the retail pharmacy locations by calling 833-333-UKRx (8579).